About James Kaufer
Hi, I'm James. I'm a licensed independent Medicare insurance broker helping individuals and families across multiple states understand their options and choose coverage that actually fits — their doctors, their medications, and their budget.
Independent, Not Tied to One Company
I've built my whole business around one idea: when it comes to Medicare, having someone local who understands the plans, formularies, provider networks, and the details that can affect your coverage makes a real difference. Plan information is available in a lot of places. What's harder to find is someone who knows your community and can sit down with you, in person, and walk through it.
I work as an independent broker, which means I'm not employed by a single insurance carrier and I'm not limited to one company's plans. That matters because Medicare is not one-size-fits-all — the plan that works well for one person's doctors and prescriptions might be the wrong fit for someone else. Being independent means the plan I recommend is based on what fits you, not a quota I need to hit.
Serving Clients Across Multiple States
I'm licensed to help clients across Kentucky, Indiana, Ohio, West Virginia, Tennessee, and Mississippi. Over the years I've built relationships with people throughout that footprint — some I meet with face-to-face locally, others I work with by phone, whichever is easier for them. Wherever you're located within that area, I can help.
A Consultative, Face-to-Face Approach
I'd rather sit down and walk through your options in plain language than read from a script. Every situation is different, so I take the time to understand your current coverage, your healthcare needs, your medications, and your concerns, then we go through the options together so you know exactly what you're choosing and why.
I Don't Disappear After You Enroll
My work with a client doesn't end at enrollment. Every year during the Annual Enrollment Period, I reach back out to review your coverage and confirm your plan still fits — because rates change, formularies change, and the plan that worked last year might not be the best option this year. And year-round, if a question comes up about your benefits, providers, or prescriptions, I'm only a phone call away.
What I Help With
Medicare Advantage
Bundled hospital, medical, and often drug coverage in one plan.
Medicare Supplement
Coverage that fills the gaps Original Medicare leaves behind.
Hospital Indemnity
Cash paid directly to you if you're hospitalized.
Life Insurance
Coverage so your family isn't left covering final expenses.